RBS (One Account) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on RBS (One Account)’s changes. Even though using COMPLETIONmonitor is not a condition for acceptance on the RBS (One Account) panel, demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 324 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.4 days. In total, 54% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc One Account require ahead of sending the mortgage advance?
6.7.1 12/02/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 17/11/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.14.1 04/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc One Account approved lawyers additional requirements concerning building insurance
6.14.1b 01/12/2014 CML
buildings insurance in joint names or lender interest noted
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do The Royal Bank of Scotland plc One Account require notification form their panel lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?
3.1.5 01/12/2014 CML
ID Documentation
The Royal Bank of Scotland plc One Account approved lawyers requirements re ID Documentation: Further acceptable documents (if any)

Last update 14/03/2019

RBS (One Account) Conveyancing Panel Sample Enquires to our Call Center from members of the public

My husband and I are purchasing a 3 bedroom flat in London with a mortgage from RBS (One Account). We like our lawyer but RBS (One Account) says she’s not on their "panel". We have to appoint one of the RBS (One Account) panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the RBS (One Account) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for RBS (One Account)
My conveyancer has uncovered an inconsistency when comparing the surveyor’s assumptions in RBS (One Account)’s valuation survey and what is in the conveyancing documents. My solicitor says that as he is on the RBS (One Account) conveyancing panel he is obliged to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s course or action appropriate?
A precondition to being on the RBS (One Account) approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS (One Account)) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
How do I search for a local solicitor on the RBS (One Account) conveyancing panel? I have a car and am prepared to travel up to 25 miles to meet the solicitor.
You can use the find a conveyancing panel tool on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the RBS (One Account) solicitor panel.
I would like to get my ex-husband removed the mortgage deeds. Can RBS (One Account) really tell me which solicitor I can or can not retain?
You can use any solicitor you like but RBS (One Account) then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the RBS (One Account) solicitors panel
We expect to receive a DIP from RBS (One Account) this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the RBS (One Account) recommend a solicitor on the RBS (One Account) conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the RBS (One Account) conveyancing panel. The solicitor represents both you and the RBS (One Account) through the process.
We have had an offer accepted on a house I spoke to a solicitor previously used by my mum and he advised using a property lawyers approved by RBS (One Account). The estate agent recommended two local firms so I asked RBS (One Account) if the 2 suggested solicitors are approved, which they are not. RBS (One Account) suggested that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of RBS (One Account) 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask RBS (One Account) to suggest a law firm in your location. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the RBS (One Account) conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto RBS (One Account) conveyancing panel as it may only take about 2-3 weeks. As long as they meet RBS (One Account)’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with RBS (One Account)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS (One Account) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS (One Account) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.